There are many things you could do to prepare for an emergency with your pet. One of those things is pet insurance. This can prevent you from spending money from your emergency savings, which is not something you want to do. Consider supplementary fees and be aware of the limits and deductibles on your policy.
If your cat or dog becomes sick or injured, pet insurance can help you save a lot of money. In fact, a recent study found that the average cost of veterinary care for dogs and cats in the United States was $15 billion in 2016. A pet insurance policy could help you avoid needing to draw on your family's emergency savings when you are in need of medical treatment.
There are several MA providers of pet insurance that you can choose from to insure your pet. The costs for a policy can vary from state to state, and will depend on the age of your pet and the amount of coverage you need. Most policies cover injuries and illnesses, but they also may provide after-death damages.
Some insurance companies offer additional coverage for wellness. Wellness coverage includes routine checkups and dental cleanings. It also covers flea, tick, or heartworm treatments. However, not all insurance companies will provide this level of cover. It is important to read the fine print so that you can make informed decisions about your pet's health and financial situation.
Some insurers will cover 100% after you reach the deductible. Other plans will offer a 70/30, 80/20 or 70% reimbursement. If you have a large vet bill, you should consider signing up for a plan that has a higher reimbursement rate.
Many MA pet insurers will provide you with free quotes. You will need to provide basic information about your pet including its breed, age and pedigree. A free quote will be provided once you have completed these details. Get a free quote to get an idea of the cost of a policy.
Some pet insurance MA companies provide optional add-ons like lost pet and burial coverage. Also, you might consider an accident-only policy which covers medical emergencies as well as surgery and dental care.
GEICO / Embrace for instance will offer you a free health history review when you sign-up for a policy. This will enable you to identify if your pet suffers from any pre-existing condition, which will then be excluded from most pet insurance plans.
Embrace also offers a money-back guarantee if you're dissatisfied with your policy. You can return your policy within 30 days for a full refund. But Embrace does not offer a separate wellness policy, so you'll need to choose another company if you want wellness care.
Some companies will even reimburse you for all your vet's expenses. You will be required to pay more out of pocket if you have to file a claim with another insurer.